Getting help with costs

The Affordable Care Act introduced various forms of financial assistance to help US citizens and legal residents pay for individual health insurance each month. (For help with Medicare costs click here.) More than half of Americans who apply for individual coverage are eligible for financial help.

Not available if you are eligible for Medicare or certain other government programs.

Your financial eligibility will be verified each year when renewing your health plan.

Tax Credits & Cost-sharing Subsidies

The Health Insurance Premium Tax Credit (HIPTC) is the main form of help that can immediately lower what you pay in monthly premiums. Cost-sharing reductions (CSR) lowers the amount you pay when receiving care (e.g., lower deductibles, copays, etc.).

What income ranges qualify for assistance?

The government measures household income in relation to the annual Federal Poverty Level (FPL).

Households under 138% FPL may qualify for coverage through WA Apple Health (Medicaid).

Households 138-250% FPL may qualify for both tax credits and cost-sharing reductions.